Which type of damage is covered by a crop hail policy?

A crop hail policy is specifically designed to cover damage caused by hail, and while it may also extend to fire and lightning damage that occurs while the crops are in the harvester, it does not cover the other mentioned options. Fire damage and lightning poses a significant risk during harvest, particularly when crops are susceptible or when harvesting equipment is being used. Therefore, this coverage is crucial for protecting the investment farmers have in their crops during this vulnerable phase.

In contrast, wind damage is typically not covered under a hail policy, as the focus is on hail-related damages. Theft of equipment falls outside of crop damage coverage entirely, focusing instead on personal property. Pest infestations also do not fall under the typical coverage of a hail policy, as they deal more with management practices rather than weather-related events.